Annual report

Period2023-04-01 → 2024-03-31
Filed2024-06-26
StandardJapan GAAP
ConsolidatedYes
Data checks20 of 20 passed
Key figures · 129
MetricValuePeriodScopeSource row
Ordinary income¥1.2bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥1.1bn2022-04-01 → 2023-03-31Cons.Ordinary income
Ordinary income¥794m2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income−¥1.7bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥494m2019-04-01 → 2020-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥1.2bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Profit before tax¥1.1bn2022-04-01 → 2023-03-31Cons.Income before income taxes
Net income (owners)¥866m2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥868m2022-04-01 → 2023-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥826m2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)−¥1.7bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥409m2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥869m2023-04-01 → 2024-03-31Cons.Profit loss
Net income¥879m2022-04-01 → 2023-03-31Cons.Profit loss
Total assets¥829.0bnat 2024-03-31Cons.Assets
Total assets¥839.9bnat 2023-03-31Cons.Assets
Total assets¥842.2bnat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥825.8bnat 2021-03-31dCons.Total assets (5-year summary)
Total assets¥755.6bnat 2020-03-31dCons.Total assets (5-year summary)
Total liabilities¥803.9bnat 2024-03-31Cons.Liabilities
Total liabilities¥815.6bnat 2023-03-31Cons.Liabilities
Net assets / equity¥25.1bnat 2024-03-31Cons.Net assets
Net assets / equity¥24.3bnat 2023-03-31Cons.Net assets
Net assets / equity¥27.4bnat 2022-03-31dCons.Net assets
Net assets / equity¥29.6bnat 2021-03-31dCons.Net assets (5-year summary)
Net assets / equity¥27.2bnat 2020-03-31dCons.Net assets (5-year summary)
Cash & equivalents¥77.9bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥75.4bnat 2023-03-31Cons.Cash and cash equivalents
Cash & equivalents¥89.4bnat 2022-03-31dCons.Cash and cash equivalents
Cash & equivalents¥90.4bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥74.6bnat 2020-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥1.2bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow−¥7.4bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥39.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow−¥39.1bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥1.5bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥6.5bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥14.2bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥23.1bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow¥15.2bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥140m2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥140m2022-04-01 → 2023-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥1m2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥113m2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow¥1.1bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥30.982023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥31.052022-04-01 → 2023-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥29.562021-04-01 → 2022-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥-61.622020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥17.22019-04-01 → 2020-03-31dCons.Basic earnings loss per share (5-year summary)
Net assets per share¥891.63at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥862.71at 2023-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥973.11at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥1,055.16at 2021-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥964.37at 2020-03-31dCons.Net assets per share (5-year summary)
Equity ratio3.0%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio2.9%at 2023-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio3.2%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio3.6%at 2020-03-31dCons.Equity to asset ratio (5-year summary)
ROE3.5%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE3.4%2022-04-01 → 2023-03-31Cons.Rate of return on equity (5-year summary)
ROE2.9%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE-6.1%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
ROE1.5%2019-04-01 → 2020-03-31dCons.Rate of return on equity (5-year summary)
Employees484at 2024-03-31Cons.Number of employees
Employees498at 2023-03-31Cons.Number of employees
Employees512at 2022-03-31dCons.Number of employees
Employees528at 2021-03-31dCons.Number of employees
Employees543at 2020-03-31dCons.Number of employees
Ordinary income¥1.4bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥1.0bn2022-04-01 → 2023-03-31StandaloneOrdinary income
Ordinary income¥727m2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income−¥1.8bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥404m2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥1.4bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Profit before tax¥1.0bn2022-04-01 → 2023-03-31StandaloneIncome before income taxes
Net income¥1.1bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥790m2022-04-01 → 2023-03-31StandaloneProfit loss
Net income¥826m2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income−¥1.7bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Net income¥350m2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Total assets¥825.6bnat 2024-03-31StandaloneAssets
Total assets¥836.3bnat 2023-03-31StandaloneAssets
Total assets¥839.2bnat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥822.3bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total assets¥752.3bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥802.3bnat 2024-03-31StandaloneLiabilities
Total liabilities¥814.0bnat 2023-03-31StandaloneLiabilities
Net assets / equity¥23.3bnat 2024-03-31StandaloneNet assets
Net assets / equity¥22.3bnat 2023-03-31StandaloneNet assets
Net assets / equity¥25.4bnat 2022-03-31dStandaloneNet assets
Net assets / equity¥27.7bnat 2021-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥25.3bnat 2020-03-31dStandaloneNet assets (5-year summary)
EPS (basic)¥40.152023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥28.252022-04-01 → 2023-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥29.532021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥-62.312020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥14.722019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
Dividend per share¥52023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52022-04-01 → 2023-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥52021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥22019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥831.5at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥797.17at 2023-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥908.72at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥990.89at 2021-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥902.97at 2020-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio2.8%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio2.7%at 2023-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio3.0%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio3.4%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE4.9%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE3.3%2022-04-01 → 2023-03-31StandaloneRate of return on equity (5-year summary)
ROE3.1%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE-6.6%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
ROE1.4%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued28,000,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2023-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued28,000,000at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees439at 2024-03-31StandaloneNumber of employees
Employees456at 2023-03-31StandaloneNumber of employees
Employees471at 2022-03-31dStandaloneNumber of employees
Employees485at 2021-03-31dStandaloneNumber of employees
Employees501at 2020-03-31dStandaloneNumber of employees

Periods use the dates stated in the filing. d = earlier-year period dated by calendar; v = that date confirmed by the company's own earlier filing.

Segments · 58
SegmentItemPeriodValue
Reconciling Itemsreconcilingdepreciation2023-04-01 → 2024-03-31−¥4m
Reconciling Itemsreconcilingrevenue intersegment2023-04-01 → 2024-03-31−¥139m
Reconciling Itemsreconcilingsegment assetsat 2024-03-31−¥2.1bn
Bankingreportable segmentcapex2023-04-01 → 2024-03-31¥708m
Bankingreportable segmentdepreciation2023-04-01 → 2024-03-31¥498m
Bankingreportable segmentemployeesat 2024-03-31476 pure
Bankingreportable segmentrevenue external2023-04-01 → 2024-03-31¥10.8bn
Bankingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥63m
Bankingreportable segmentsegment assetsat 2024-03-31¥824.7bn
Bankingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥1.1bn
Credit Card Credit Guaranteereportable segmentcapex2023-04-01 → 2024-03-31¥0
Credit Card Credit Guaranteereportable segmentdepreciation2023-04-01 → 2024-03-31¥4m
Credit Card Credit Guaranteereportable segmentemployeesat 2024-03-312 pure
Credit Card Credit Guaranteereportable segmentrevenue external2023-04-01 → 2024-03-31¥123m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2024-03-31¥761m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2023-04-01 → 2024-03-31−¥13m
Leasingreportable segmentcapex2023-04-01 → 2024-03-31¥46m
Leasingreportable segmentdepreciation2023-04-01 → 2024-03-31¥40m
Leasingreportable segmentemployeesat 2024-03-316 pure
Leasingreportable segmentrevenue external2023-04-01 → 2024-03-31¥2.4bn
Leasingreportable segmentrevenue intersegment2023-04-01 → 2024-03-31¥75m
Leasingreportable segmentsegment assetsat 2024-03-31¥5.6bn
Leasingreportable segmentsegment ordinary income2023-04-01 → 2024-03-31¥62m
Total Of Reportable Segments And Otherssegment totalcapex2023-04-01 → 2024-03-31¥754m
Total Of Reportable Segments And Otherssegment totaldepreciation2023-04-01 → 2024-03-31¥543m
Total Of Reportable Segments And Otherssegment totalrevenue external2023-04-01 → 2024-03-31¥13.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2023-04-01 → 2024-03-31¥139m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2024-03-31¥831.1bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2023-04-01 → 2024-03-31¥1.2bn
Reconciling Itemsreconcilingdepreciation2022-04-01 → 2023-03-31−¥5m
Reconciling Itemsreconcilingrevenue external2022-04-01 → 2023-03-31−¥2m
Reconciling Itemsreconcilingrevenue intersegment2022-04-01 → 2023-03-31−¥143m
Reconciling Itemsreconcilingsegment assetsat 2023-03-31−¥2.4bn
Bankingreportable segmentcapex2022-04-01 → 2023-03-31¥177m
Bankingreportable segmentdepreciation2022-04-01 → 2023-03-31¥570m
Bankingreportable segmentrevenue external2022-04-01 → 2023-03-31¥10.7bn
Bankingreportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥66m
Bankingreportable segmentsegment assetsat 2023-03-31¥835.5bn
Bankingreportable segmentsegment ordinary income2022-04-01 → 2023-03-31¥1.1bn
Credit Card Credit Guaranteereportable segmentcapex2022-04-01 → 2023-03-31¥3m
Credit Card Credit Guaranteereportable segmentdepreciation2022-04-01 → 2023-03-31¥5m
Credit Card Credit Guaranteereportable segmentrevenue external2022-04-01 → 2023-03-31¥136m
Credit Card Credit Guaranteereportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥0
Credit Card Credit Guaranteereportable segmentsegment assetsat 2023-03-31¥780m
Credit Card Credit Guaranteereportable segmentsegment ordinary income2022-04-01 → 2023-03-31−¥6m
Leasingreportable segmentcapex2022-04-01 → 2023-03-31¥57m
Leasingreportable segmentdepreciation2022-04-01 → 2023-03-31¥43m
Leasingreportable segmentrevenue external2022-04-01 → 2023-03-31¥2.5bn
Leasingreportable segmentrevenue intersegment2022-04-01 → 2023-03-31¥75m
Leasingreportable segmentsegment assetsat 2023-03-31¥6.0bn
Leasingreportable segmentsegment ordinary income2022-04-01 → 2023-03-31¥80m
Total Of Reportable Segments And Otherssegment totalcapex2022-04-01 → 2023-03-31¥238m
Total Of Reportable Segments And Otherssegment totaldepreciation2022-04-01 → 2023-03-31¥619m
Total Of Reportable Segments And Otherssegment totalrevenue external2022-04-01 → 2023-03-31¥13.3bn
Total Of Reportable Segments And Otherssegment totalrevenue intersegment2022-04-01 → 2023-03-31¥143m
Total Of Reportable Segments And Otherssegment totalsegment assetsat 2023-03-31¥842.3bn
Total Of Reportable Segments And Otherssegment totalsegment ordinary income2022-04-01 → 2023-03-31¥1.1bn

Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.

All source rows · 1,540
ItemContextValueUnit
Number of shares held details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row5Member303420
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyCurrentYearInstant_Row5Member-JPY
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row5Member318000000JPY
Number of shares held details of specified investment equity securities held for purposes other than pure investment reporting companyCurrentYearInstant_Row6Member-
Number of shares held details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row6Member20000
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyCurrentYearInstant_Row6Member-JPY
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row6Member28000000JPY
Number of shares held details of specified investment equity securities held for purposes other than pure investment reporting companyCurrentYearInstant_Row7Member-
Number of shares held details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row7Member42500
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyCurrentYearInstant_Row7Member-JPY
Book value details of specified investment equity securities held for purposes other than pure investment reporting companyPrior1YearInstant_Row7Member27000000JPY
Cash and due from banks assets bnkPrior1YearInstant76258000000JPY
Cash and due from banks assets bnkCurrentYearInstant79108000000JPY
Trading account securities assets bnkPrior1YearInstant119000000JPY
Trading account securities assets bnkCurrentYearInstant212000000JPY
Money held in trust assets bnkPrior1YearInstant1007000000JPY
Money held in trust assets bnkCurrentYearInstant1006000000JPY
Securities assets bnkPrior1YearInstant157592000000JPY
Securities assets bnkCurrentYearInstant155236000000JPY
Loans and bills discounted assets bnkPrior1YearInstant582314000000JPY
Loans and bills discounted assets bnkCurrentYearInstant580105000000JPY
Lease receivables and investment assets caPrior1YearInstant4803000000JPY
Lease receivables and investment assets caCurrentYearInstant4349000000JPY
Other assets assets bnkPrior1YearInstant13099000000JPY
Other assets assets bnkCurrentYearInstant3843000000JPY
Property plant and equipmentPrior1YearInstant9269000000JPY
Property plant and equipmentCurrentYearInstant9500000000JPY
Buildings netPrior1YearInstant3304000000JPY
Buildings netCurrentYearInstant3133000000JPY
LandPrior1YearInstant5469000000JPY
LandCurrentYearInstant5469000000JPY
Other net ppePrior1YearInstant496000000JPY
Other net ppeCurrentYearInstant897000000JPY
Intangible assetsPrior1YearInstant244000000JPY
Intangible assetsCurrentYearInstant302000000JPY
SoftwarePrior1YearInstant134000000JPY
SoftwareCurrentYearInstant196000000JPY
Other iaPrior1YearInstant110000000JPY
Other iaCurrentYearInstant106000000JPY
Net defined benefit assetPrior1YearInstant-JPY
Net defined benefit assetCurrentYearInstant72000000JPY
Deferred tax assetsPrior1YearInstant329000000JPY
Deferred tax assetsCurrentYearInstant-JPY
Customers liabilities for acceptances and guarantees assets bnkPrior1YearInstant414000000JPY
Customers liabilities for acceptances and guarantees assets bnkCurrentYearInstant334000000JPY
Allowance for loan losses assets bnkPrior1YearInstant-5575000000JPY
Allowance for loan losses assets bnkCurrentYearInstant-5119000000JPY
AssetsPrior1YearInstant839877000000JPY
AssetsCurrentYearInstant828952000000JPY
Deposits liabilities bnkPrior1YearInstant763603000000JPY

Every row of the EDINET CSV. Item names are the XBRL element names; filed text is kept in its original Japanese. Filed text is available on Plus and Pro.

Data checks · 20 of 20 passed
balance sheet identityconsolidated 2023-03-31pass
balance sheet identityconsolidated 2024-03-31pass
balance sheet identitynon_consolidated 2023-03-31pass
balance sheet identitynon_consolidated 2024-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2022-03-31pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2022-04-01/2023-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2022-04-01/2023-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · total assetsconsolidated 2023-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2023-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass